Financial advice and support

A number of local and national services can offer you free help and support. They can help you manage your money, sort debts or claim the benefits you are entitled to.

Call the council’s dedicated Financial Advice line on 0151 443 3300 to find out more about free sources of money and debt advice, and credit unions.

On this page, you will find:

  • Local advice and support
  • Support if you are claiming or plan to claim Universal Credit
  • National money advice and support
  • National debt services
  • Trust funds and ‘passported’ benefits 
  • Legal and consumer support

Local advice and support 

Residents can visit the KHT Advice Hub to find local support services in areas including debt advice, employment, training, health and wellbeing, furniture, getting online and claiming Universal Credit.

Many other organisations offer free and confidential face-to-face advice to Knowsley residents. Some exceptions apply, so check the details below and if in doubt get in touch before you visit. This advice includes:

Support if you claim, or are planning to claim Universal Credit 

A range of support is available to residents who claim or want to claim the Governments Universal Credit.  This covers:

National money advice and support

Money advice is also available online through a number of national organisations.  Again, the advice is confidential and free.

Turn2uswww.turn2us.org.uk
 
Free confidential information and advice on benefits, grants and managing your money, with an online benefits calculator to work out what you could claim.  Visit their website or, if you don’t have access to the internet call 0808 802 2000.
 
Money Advice Servicewww.moneyadviceservice.org.uk
Free, clear and unbiased advice to help you manage your money.  Visit their website or call 0800 138 7777 to speak with a trained advisor.

Debt Support Trustwww.debtsupporttrust.org.uk
 
Online or telephone debt advice.  Use their ‘debt analyser’ tool to work out where your money goes and which solution might be best.

National debt services 

Stepchange - www.stepchange.org
 
Free online and telephone advice can give you your options. Visit the website or call 0800 138 1111.
 
National Debtlinewww.nationaldebtline.co.uk
 
Free, confidential and independent advice on dealing with debt problems. Visit their website or call 0808 808 4000 for more information.

Trust Funds and passported benefits 

Receipt of certain benefits can give entitlement to further benefits or services, for example eye tests, NHS Prescription costs and Healthy Start vouchers. Check the Entitledto website for further details.

Examples include Healthy Start vouchers, Warm Home Discount Scheme, and Free School Meals.
 
British Gas Energy Trust 

Help for those struggling to pay energy bills. Support includes:

  • Clearing gas or electricity debts (for British Gas and customers of other utility companies) 
  • Boiler replacement
  • The purchase of energy efficient white goods or cookers. 

Visit their website or call 01733 421060.

 

United Utilities Trust Fund 

Available to United Utilities customers. Support is paid as a one-off grant to priority creditors, mostly to help clear water debt or to help with water charges. Visit their website or call 0300 790 6172.

NHS Healthy Start   
Provide free weekly vouchers to spend on milk, plain fresh and frozen fruit and vegetables, and infant formula milk. The scheme also provides free vitamins. Visit their website or call 0345 607 6823.

Legal and consumer support services 

Community Legal Advice – www.clsdirect.org.uk 

Provide free legal information (not advice).  Search for a local legal advisor or solicitor, or read their selection of legal information leaflets and factsheets.

Citizens Advice Consumer Helpline – 03454 040506

(Previously known as Consumer Direct.) Practical advice on all kinds of consumer problems from credit issues to energy and faulty household appliances.  

Help with benefits (checking entitlement or making a claim)

 

 
Open to all
 
Citizens Advice Knowsley
 
Huyton – open for drop in Monday, Tuesday, Weds and Friday 9am – 3pm.
Thurs 9 – 2.30pm is drop in for money advice

Kirkby – open for drop in Mon, Weds, Thurs and Friday 9am – 3pm.
Tues drop in for money advice

Halewood – appointments only, Monday to Thursday. Call the appointment line on 0151 294 4081

Call Adviceline for telephone advice 0300 330 9008 or visit their website.
.
 
27 Cavendish Walk, Huyton L36 9YG

142 Cherryfield drive, Kirkby L32 8RX

Halewood Centre, Roseheath Drive, Halewood L26 9UH.
Prescot and Whiston Community Advice Centre Drop in Monday – Friday 9.15am – 1pm.
 
 
Prescot Centre, Eccleston Street, Prescot L34 5GA.
 
Telephone 0151 443 4639.
 
With restrictions
 
Centre 63 For 16-25 year-olds. Covers housing, debt and welfare benefits.
 
 
Old Hall Lane, Kirkby L32 5TH.
 
Call 0151 549 1494 or visit their website.
KHT KHT tenants only.
By appointment only, available Mon – Fri.
 
 
Available across the borough.
 
Call 0151 290 7000 or email imxreferrals@firstark.com.
TASC (Tailored Advice Services in Communities) For Northwood residents only.
 
Drop in Weds 1.30pm-4pm and Thurs 10am-1.30pm.
 
Performance Studios, 11 Lifton Rd, Kirkby.
 
Call 0151 548 4924 or email tascommunities@outlook.com
MABS – Money Advice Budgeting Service For Enterprise Credit Union members only.
 
Advice on all money matters – debt, benefits, savings, budgeting.
 
Drop in Mon – Thurs 9am-1pm and 1.30pm – 3pm.
110-112 Liverpool Rd, Huyton L36 3RF.
 
Telephone 0151 292 5022.
 
Email knowsleymabs@btconnect.com

 

Help to sort debts

 

 
Open to all
 
Citizens Advice Knowsley
 
Huyton – open for drop in Monday, Tuesday, Weds and Friday 9am – 3pm.
Thurs 9 – 2.30pm is drop in for money advice

Kirkby – open for drop in Mon, Weds, Thurs and Friday 9am – 3pm.
Tues drop in for money advice

Halewood – appointments only, Monday to Thursday. Call the appointment line on 0151 294 4081

Call Adviceline for telephone advice 0300 330 9008 or visit their website
 
27 Cavendish Walk, Huyton L36 9YG

142 Cherryfield drive, Kirkby L32 8RX.
 
Halewood Centre, Roseheath Drive, Halewood L26 9UH.
Centre 63 For 16-25 year olds. Covers housing, debt and welfare benefits.
 
Call 0151 549 1494 or visit their website.
Old Hall Lane, Kirkby L32 5TH.
Jubilee Debt Advice Drop-in at Changing Lives, Kirkby every Friday 10am-2pm.
 
Changing Lives, 101-105 Cherryfield Drive, Kirkby.
 
Part of the Big Help Project. Drop in or call 0151 482 6089, or email jda@big-help.info.
 
 
With restrictions
 
TASC (Tailored Advice Services in Communities) For Northwood residents only.
 
Drop in Weds 1.30pm-4pm and Thurs 10am-1.30pm.
 
Performance Studios, 11 Lifton Rd, Kirkby.
 
Call 0151 548 4924 or tascommunities@outlook.com.
 
MABS – Money Advice Budgeting Service For Enterprise Credit Union members only.
 
Advice on all money matters – debt, benefits, savings, budgeting.
 
Drop in Mon – Thurs 9am-1pm and 1.30pm – 3pm or visit their website.
110-112 Liverpool Rd, Huyton L36 3RF.
 
Call 0151 292 5022.
 
Email knowsleymabs@btconnect.com.

 Help to manage your money

 

 
Open to all
 
TESS – anyone in rented accommodation Based in Villages Housing but open to all.
 
Includes benefit checks and claims, budgeting and debt advice.
 
16 The Croft, Stockbridge Village, L28 1NR.
 
0300 123 55 22.
 
With restrictions
 
MABS – Money Advice Budgeting Service For Enterprise Credit Union members only.
 
Advice on all money matters – debt, benefits, savings, budgeting.
 
Drop in Mon – Thurs 9am-1pm and 1.30pm – 3pm.
110-112 Liverpool Rd, Huyton L36 3RF.
 
Call 0151 292 5022.
 
Email knowsleymabs@btconnect.com.
 
Visit the MABS website
Citizens Advice Knowsley Offer various projects to help residents manage their money.
 
 
Contact 0151 477 6023 to find out more, or call into the Citizens Advice offices.
Personal Budgeting Support For residents on Universal Credit – help with all aspects of money management and budgeting.
 
See section below ‘claiming or plan to claim Universal Credit’ for further details. 
Ask your work coach to refer you.
 

Financial Services (including low cost loans, savings and affordable white goods and electricals)

 
 
Open to all
 
Enterprise Credit Union Low cost loans and saving accounts.  Offer same day loan on certain products.
 
Open to all living or working in Knowsley.
 
Several offices across Knowsley.
Main office Hall Lane, Huyton, L36 6AX, 0151 482 0177.
 
Also Page Moss, Prescot and Halewood.
 
Visit their website.
Knowsley Mutual Credit Union Low cost loans and saving accounts. Offer same day loan on certain products.
 
Open to all living or working in Knowsley.
 
Based in Kirkby town centre.
Kirkby Campus, Cherryfield Drive, Kirkby L32 8SF
 
Call 0151 545 3380.
 
Email enquiries@knowsleymutualcu.co.uk.
 
Visit the Knowsley Mutual Credit Union website
 
 
 
Homes with Style New white goods, electricals and furniture (quality new and used).
 
Can be bought outright or with the option of credit from a credit union.
Call in to the shop: Homes with Style,
Derby Rd, Huyton, 0151 792 5346.
 
 Where to go in a crisis
 
 
Open to all
 
Knowsley Foodbank Three days emergency food – a voucher is required from a partner agency. 
 
Vouchers are held by a range of services including Citizens Advice, Children’s Centres, schools and health visitors.
 
10 distribution centres open Mon – Sat.
 
Call 0151 482 6089 or 07731 789794.
 
Email info@knowsley.foodbank.org.uk
 
Visit the Knowsley Foodbank website
 
Head office - Link Rd Depot, Link Road, Huyton L36 6AP.
Illegal lending – loan sharks Support for victims and witnesses of illegal lending. Will prosecute loan sharks. Call the confidential hotline on 0300 555 2222 (open 24/7) or email reportaloanshark@
stoploansharks.gov.uk
 
With restrictions
 
Emergency Support Scheme (Knowsley Council)
 
Fuel
Support with fuel to residents who meet the council’s criteria. Expectation that help with be sought to resolve the issue.
 
Further details here.
Residents should apply online either through the council’s customer portal (register for online services or log in to your online account). You must have a Council Tax account number, or a Housing Benefit/Council Tax Reduction claim reference to register your application through the Customer Portal.
 
You can also apply through the council’s website – go to Online Services and ‘Apply for it’.
 
Residents without access to a computer or the internet at home can get online in various venues across Knowsley
 
If you cannot apply online, you can ring the council on 0151 443 3200 where an advisor can take your claim over the phone. View opening hours
Emergency Support Scheme (Knowsley Council)
 
Food
The council’s scheme can provide you with a voucher for Knowsley Food Support.
 
View further details.
If you have a support worker or are receiving support from a local support agency, speak to them in the first instance. 
If you do not have a support worker or the local agency cannot help you, ring Knowsley Food Support direct on 0151 538 8243.  The line is open Monday to Friday 10am – 4.30pm.
 
Claiming or plan to claim Universal Credit?
 

For further information on Universal Credit including eligibility and planners to help residents prepare, visit the Governments Universal Credit website or Knowsley Council’s Universal Credit pages.  Universal Credit does not include help towards Council Tax; if residents think they are eligible they should claim this separately from Knowsley Council’s Council Tax Reduction page.
 
A range of support is available to residents who claim or want to claim Universal Credit. This covers:

 
Support from the Department for Work and Pensions

 
Type of Support Detail How to apply
Advance Payment Up to 100% of the first UC payment can be received early.  Repaid over (up to) 12 months.  
 
 
 
Ask your DWP Workcoach or call the UC helpline on 0800 328 5644.
 
Can be requested at any time.
Alternative Payment Arrangements In some circumstances, the monthly payments can be made direct to the landlord, split between partners or received more often than monthly.
Hardship Payment Can be requested if a sanction has been applied.
 

Using online services

There are two levels of support to get online:

  1. In-depth assistance (support to complete the online claim and develop digital skills) 
  2. Basic assistance (support to get online, set up email, navigate the claim form)

You can also access computers and Wi-Fi without assistance.

In-depth assistance: Support to complete the online claim and develop digital skills

Support How to apply
All Job Centres support residents to use computers, get online and complete their Universal Credit claim. 
Staff will be available to help residents use the online Universal Credit system. 
 
Residents should call into their local Job Centre.  There is no need to book but they may need to wait during busy periods.
 
Claimants can also ring the Universal Credit Helpline if they are unable to claim online (if they can claim online, even with help, they will be asked to do so).
 
Residents should call the Universal Credit Helpline 0800 328 9344.
The council offers ‘assisted digital support’ to residents who want to claim or have claimed Universal Credit.  This is provided by Knowsley FACE
FACE will work with residents as they complete their online form, helping them build the digital skills they need. This includes:
  • Setting up the online account
  • Creating an email address
  • Uploading documents
  • Using the online ‘journal’.
 
  • Residents should ask their Work Coach for a referral to ‘assisted digital support’.
  • Call in to one of the free digital drop-in sessions provided by FACE (see below).
  • Or contact FACE directly on 0151 443 5389.
 

FACE digital drop-in sessions 

 
Area Day Time Venue
Stockbridge Monday 1pm – 3.30pm Stockbridge Village Hub, L28 3NR.
 
Halewood Monday 10am – 12.30pm Halewood Library, L26 0TS.
Huyton Tuesday 1pm – 3.30pm *Roby Community Hub, Merton Crescent, L36 4LD.
Huyton Tuesday 10am – 12.30pm Huyton Library, L36 9GD.
Huyton Wednesday 12.30 – 3pm The Gate Community Centre, L14 9NQ.
Halewood Wednesday 9.30am – 12pm New Hutte Neighbourhood Centre, L26 1TT.
Huyton Wednesday 9.30am – 12pm **St John’s Information Zone, L36 0UB.
Huyton Thursday 1pm – 3pm **St John’s Information Zone, L36 0UB.
Huyton Thursday 10am – 12.30pm The Gate Community Centre, L14 9NQ.
Prescot Thursday 10am – 12.30pm Prescot Library, L34 5GA.
Kirkby Friday 10am – 12.30pm Kirkby Library, L32 8XY.
Huyton Friday 1pm – 3.30pm *Bluebell Park Apartments, Alamein Road, Huyton, L36 7YB.
 

*tablets only at Roby Community Centre and Bluebell Lane.                               
**no Wi-Fi at St John’s Information Zone. 

Basic assistance: Support to get online, set up email, navigate the claim form


Digital Champions are based in each Knowsley Council One Stop Shop to help residents sign up to and use the council’s digital services. Digital Champions can also provide low level support to Universal Credit claimants, including helping to:

  • Get online
  • Set up an email address
  • Navigate the claim form
  • Upload documents.

 
There is no need to book but customers are advised to check One Stop Shop opening hours.
 
Claimants who need in depth support to complete the claim and/or to develop computer and digital skills will be referred to Knowsley FACE.

Access to computers and Wi-Fi (non-assisted support)

Residents who don’t have access to a computer or can’t get online at home can use free computers and / or Wi-Fi in any of the following sites across Knowsley:
 

Venue Address
Huyton
Huyton Jobcentre Edendale House, Lathom Road, Huyton L36 9XS.
Huyton One Stop Shop Archway Road, Huyton L36 9YU.
Huyton Library Civic Way, Huyton, L36 9GD.
   
Kirkby
Kirkby Jobcentre St Chad's House, St Chad's Drive, Kirkby L32 8RW.
Kirkby One Stop Shop Kirkby Centre, Norwich Way, Kirkby, L32 8XY.
Kirkby Library 1st floor, Kirkby Centre, Norwich Way, Kirkby, L32 8XY.
   
Halewood
Halewood Library Halewood Centre, Roseheath Drive, L26 9UH.
Halewood One Stop Shop Halewood Centre, Roseheath Drive, L26 9UH.
Belle Vale Jobcentre Crown Building, 302 Childwall Valley Road L25 2UF.
   
Prescot
Prescot One Stop Shop The Prescot Centre, Aspinall Street, Prescot, L34 5GA.
Prescot Library The Prescot Centre, Aspinall Street, Prescot, L34 5GA.
   
Stockbridge Village
Stockbridge Library The Withens, Stockbridge Village, L28 1AB.
 

To find places where you can ‘get online’ with access to computers, Wi-Fi and digital skills training, visit ‘My Neighbourhood’ on the Council’s website and add your postcode

Knowsley Housing Trust tenants can also approach KHT for support. Visit the Universal Credit pages on the KHT website.

Budgeting/money management

Personal Budgeting Support
All Universal Credit claimants have access to Personal Budgeting Support, confidential one-to-one financial advice tailored to their needs and circumstances. This will cover:

  • Setting up a monthly budget
  • How to reduce outgoings
  • Budgeting advice
  • Different ways of paying bills.

 
Claimants will be asked if they might need Personal Budgeting Support by their DWP Work Coach when they claim Universal Credit but they can request this at any time. They will be referred to an experienced, independent advisor for an appointment.
 
Residents are encouraged to take advantage of this support – it really can make a difference – especially if they may find it hard to adjust to a monthly budget or if they already have debts.

To receive Personal Budgeting Support, Universal Credit claimants should speak with their Work Coach at the Job Centre or call the Universal Credit Helpline on 0800 328 5644. 

Money advice is also provided online through the Money Advice Service’s ‘Money Manager for Universal Credit claimants’.

Other sources of money advice 

 

Other free sources of money advice are available locally, and are open to all residents, not just those who want to claim or have claimed Universal Credit 
 
Many Registered Social Landlords, including KHT and Villages, offer money advice to their tenants. Social tenants claiming Universal Credit should contact their Landlord to see what other support and advice they can provide.
 
Money advice is also available online through the Money Advice Service.  Visit Money Manager for Universal Credit Claimants for support tailored to your needs.

 

 
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